The Vulnerability Letter to Debt Collector Template UK is offered in multiple formats, including PDF, Word, and Google Docs, featuring editable and printable examples.
Vulnerability Letter To Debt Collector Template UK Editable – PrintableSample
Vulnerability Letter to Debt Collector Template UK 1. Debtor Information 2. Debt Collector Information 3. Debt Details 4. Summary of Vulnerability 5. Supporting Evidence 6. Request for Consideration 7. Legal Rights and Financial Guidance 8. Contact Information 9. Acknowledgment of Receipt 10. Signature and Declaration
PDF
WORD
Examples
[Your Name]
[Your Address]
[Your Phone]
[Your Email]
[Debt Collector’s Name]
[Debt Collection Agency Name]
[Agency Address]
[Date]
Vulnerability Disclosure Regarding Debt Collection
I am writing to you regarding the outstanding debt referenced by account number [Account Number]. I wish to provide information about my current situation, which I believe qualifies me as a vulnerable customer under the FCA’s guidelines.
I am facing [Describe your situation, e.g., financial difficulties, health issues, etc.], which significantly impacts my ability to manage my financial obligations effectively.
In light of my current circumstances, I kindly request that you take into consideration my vulnerability when proceeding with any collection actions. I ask for your understanding and compassion in this matter.
I propose that we explore the following options: [List any proposed solutions such as setting up a repayment plan, reducing the total amount owed, or pausing collections temporarily].
I am aware of my rights under the Consumer Rights Act and the FCA guidelines regarding vulnerable customers. I hope we can work together to reach a fair solution that reflects my current situation.
Please feel free to contact me at the above telephone number or email to discuss this matter. I am looking forward to your response.
[Your Signature]
[Your Name]
[Your Name]
[Your Address]
[Your Phone]
[Your Email]
[Debt Collector’s Name]
[Debt Collection Agency Name]
[Agency Address]
[Date]
Disclosure of Vulnerability in Debt Collection
I am contacting you regarding my account, numbered [Account Number]. It is necessary for me to disclose my current circumstances, as I believe these qualify me for special consideration due to vulnerability.
Currently, I am experiencing [Detail your vulnerability, e.g., severe illness, mental health issues, loss of income], preventing me from fulfilling my financial obligations as previously arranged.
Given my circumstances, I respectfully request that you halt any aggressive collection procedures and consider adapting the terms of repayment based on my financial situation.
I would like to discuss possible arrangements, which may include [Suggestions such as creating an affordable payment plan, freezing interest, or granting temporary relief].
I am aware of consumer protections in place, such as those enforced by the Financial Conduct Authority, which considers the needs of vulnerable persons. I trust this letter will prompt a compassionate response from your agency.
I prefer that any communication regarding this matter be conducted via [Email/Telephone/Letter], to ensure I am able to respond adequately.
Thank you for taking the time to review my situation. I look forward to your prompt reply and a resolution that acknowledges my current challenges.
[Your Signature]
[Your Name]
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